EU-hosted, non-EU parentFintech & NeobanksHeadquarters: CH

CREALOGIX: sovereignty score and 8 European alternatives

CREALOGIX is a Swiss software company that supplies digital banking and wealth management products to financial institutions. Its product range listed on the company website includes conversational AI, a funding portal, an EBICS server for corporate payment connectivity and a lending origination hub, for wealth management, retail, corporate, SME and public-sector banking. The products are sold to banks as software.

The company describes itself as Swiss-based. Its media centre reports that VENCORA UK Limited acquired 99.07% of its shares and voting rights. Vencora is an operating group of Constellation Software Inc., headquartered in Toronto, Canada, so the majority ownership sits in a Canadian group. The pages consulted do not state where CREALOGIX hosts customer data or publish a data-protection commitment. A European bank should ask for the hosting location, the access rights of the group and the contractual data-processing terms.

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Sovereignty score

67 / 1000 = high exposure
100 = sovereign

Jurisdiction SOV-2100
Headquartered in Switzerland: Swiss law, recognised by the EU as adequate
Data residency SOV-380
Hosting in Switzerland only (recognised by the EU as adequate)
Cryptographic key sovereignty SOV-360
Key management with a European vendor
Freedom from lock-in SOV-640
Closed source: switching requires data migration
Source & runtime sovereignty SOV-4 · SOV-655
Closed source, runtime with the vendor

SOV codes: the matching objective in the European Commission's Cloud Sovereignty Framework. Official source

How the score is calculated

Facts and evidence

Last checked October 10, 2026

Headquarters	CH (EU)Verified by hand
Ultimate parent company	CAVerified by hand
Sovereignty model	Vendor-hosted (EU)Verified by hand
Data hosting	CHVerified by hand
Open-source	NoVerified by hand
GDPR-compliant	NoVendor-stated
Category	Fintech & Neobanks
Type	Product
Website	crealogix.com ↗

How we verify · Something wrong? Suggest a correction

Top EU-based & GDPR-compliant alternatives to CREALOGIX

The European alternatives to CREALOGIX come from our knowledge base of over 6,800 vendors. We only list vendors headquartered in the EU or the EEA; fully European-owned vendors rank before vendors with a foreign owner. For each alternative you see the country, the open-source status and a short description.

Score per alternative: 0 = high exposure, 100 = sovereign

116 European Fintech & Neobanks vendors are in the catalogue. View the whole category · Submit an alternative · View category on the map

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Why digital sovereignty matters with CREALOGIX

CREALOGIX is headquartered in Switzerland and falls under Swiss law, including the revised Swiss data protection act. Switzerland is not an EU member, but the European Commission recognises its level of data protection as adequate. Its Swiss headquarters does not by itself bring it under US legislation such as the CLOUD Act. The ultimate owner is based in CA. Foreign control undermines part of the certainty a European headquarters offers.

CREALOGIX hosts data in Switzerland only. Switzerland is not part of the EU or the EEA, so the GDPR does not apply there directly; the European Commission does recognise Swiss data protection as adequate, so personal data can go there without extra safeguards. Our model therefore scores it between EU hosting and hosting outside Europe. If you require strictly EU hosting, take this into account.

CREALOGIX is closed source and hosted by the vendor. The encryption keys and the runtime sit with the vendor and switching requires data migration. Ask about bring-your-own-key, export options and open standards.

What this means for your organisation depends on your whole stack and context. The free assessment weighs CREALOGIX together with your other vendors and gives a total score, a heatmap and the main risk drivers.

Frequently asked questions

What is the best European alternative to CREALOGIX?

It depends on your use case. Strong EU alternatives to CREALOGIX include 1822direkt, ActivoBank and Air Bank. On this page you can compare 8 EU alternatives by jurisdiction, data residency and open-source status.

Are there open-source alternatives to CREALOGIX?

Our list of EU alternatives to CREALOGIX is mostly commercial options. Browse the category on the map for open-source choices.

Is CREALOGIX GDPR-compliant and where is the data hosted?

CREALOGIX is headquartered in CH (EFTA) and hosts data in CH. That makes CREALOGIX an EU-sovereign choice in its own right; the EU alternatives on this page are comparable European tools.

Details and sources

Verified by handHeadquarters, owner, hosting locations and licence have been checked by us against public sources. Free of charge and for every vendor, not a paid label. Nothing in this knowledge base is taken over automatically. Last checked on October 10, 2026.

Sources

Public sources used in the latest check of this record.

Compliance evidence

The links below point to the vendor's own public documents. We only record what we found: a missing link means "not found publicly", not "not compliant".

No public compliance evidence has been recorded for this vendor yet. Do you know its DPA or subprocessor list? Something wrong? Suggest a correction

Digital sovereignty in Fintech & Neobanks

Fintech & Neobanks: Digital banks, neobanks, money transfers and fintech services. In this category the choice of vendor determines who has legal access to your data, where that data lives and how easily you can switch later.

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